openapi: 3.2.0 info: title: ConsumerLending Loan Application API version: v1 servers: - url: https://cubi-sandbox-api.customersbank.com/consumerlending/v1 tags: - name: LoanApplication paths: /application: post: tags: - LoanApplication summary: /application - POST description: Creates a new loan application in the system. Creating an application will initiate the approval process. If that process is successful the application will be converted to a loan. operationId: post-application parameters: - name: x-idempotency-key in: header description: Unique request idenitfier for idempotency. required: true schema: type: string format: uuid example: 3169e68b-93ce-49a7-aec5-907f52099868 requestBody: description: '' content: application/json: schema: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.CreateLoanApplicationDto' example: platformReferenceNumber: string applicationDate: string requestedLoanAmount: 0 maximumApprovedLoanAmount: 0 loanAmount: 0 netFundingAmount: 0 partnerLoanApprovalDate: string apr: 0 noteRate: 0 collateralCategory: string loanPurpose: string defaultProbability: 0 customRiskScore: string customGrade: string isMlaLoan: true mlaChecked: true ofacChecked: true promotionDetails: promotionMonths: 0 borrowers: - ssn: string fullName: string dateOfBirth: string annualIncome: 0 employerName: string emailAddress: string schoolName: string schoolOpeCode: string schoolGraduationYear: 0 degreeType: string areaOfStudy: string deceased: true housingStatus: Own streetAddress: string city: string state: string zipCode: string homePhoneNumber: string workPhoneNumber: string cellPhoneNumber: string ficoScore: 0 debtToIncomeRatio: 0 debt: 0 creditInquiryCount: 0 nonTraditionalInquiryCount: 0 mortgageDelinquencyCount: 0 thirtyDayLatePaymentCount: 0 sixtyDayLatePaymentCount: 0 tradeDelinquencyCount: 0 chargeOffCount: 0 numberOfMonthsSinceAnyThirtyDayLatePayments: 0 derogatoryRemarkCount: 0 hasFiledForBankruptcy: true monthsSinceBankruptcyFiled: 0 monthsSinceBankruptcyDismissed: 0 monthsSinceBankruptcyStatusDate: 0 cosigners: - ssn: string fullName: string dateOfBirth: string annualIncome: 0 employerName: string emailAddress: string schoolName: string schoolOpeCode: string schoolGraduationYear: 0 degreeType: string areaOfStudy: string deceased: true housingStatus: Own streetAddress: string city: string state: string zipCode: string homePhoneNumber: string workPhoneNumber: string cellPhoneNumber: string ficoScore: 0 debtToIncomeRatio: 0 debt: 0 creditInquiryCount: 0 sixtyDayLatePaymentCount: 0 tradeDelinquencyCount: 0 chargeOffCount: 0 nonTraditionalInquiryCount: 0 mortgageDelinquencyCount: 0 thirtyDayLatePaymentCount: 0 numberOfMonthsSinceAnyThirtyDayLatePayments: 0 derogatoryRemarkCount: 0 hasFiledForBankruptcy: true monthsSinceBankruptcyFiled: 0 monthsSinceBankruptcyDismissed: 0 monthsSinceBankruptcyStatusDate: 0 programId: string loanAccountNumber: string fundImmediatelyOnApproval: true immediateFundingInstructions: - amountToFund: 0 routingNumber: string accountNumber: string accountName: string accountType: Checking platformReferenceNumber: string aanReasons: - string propertyDetails: streetAddress: string city: string state: string zipCode: string cltv: 0 propertyType: Other unitCount: 0 automatedValuationModel: 0 manualValuationModel: 0 avmConfidenceScore: 0 outstandingMortgageBalance: 0 contractors: - name: string ein: string resultOfCounterOfferProcess: true monthlyPayment: 0 termLength: 0 merchantDiscountRatePercentage: 0 merchantDiscountRateAmount: 0 originationFeePercentage: 0 originationFeeAmount: 0 paymentFactor: 0 partnerStatus: Signed partnerStatusReason: string acquisitionChannelName: string stagedFundingDetails: expectedNumberOfStages: 0 expectedFundingLevels: - fundingStageNumber: 0 expectedFundingPercentage: 0 text/json: schema: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.CreateLoanApplicationDto' example: platformReferenceNumber: string applicationDate: string requestedLoanAmount: 0 maximumApprovedLoanAmount: 0 loanAmount: 0 netFundingAmount: 0 partnerLoanApprovalDate: string apr: 0 noteRate: 0 collateralCategory: string loanPurpose: string defaultProbability: 0 customRiskScore: string customGrade: string isMlaLoan: true mlaChecked: true ofacChecked: true promotionDetails: promotionMonths: 0 borrowers: - ssn: string fullName: string dateOfBirth: string annualIncome: 0 employerName: string emailAddress: string schoolName: string schoolOpeCode: string schoolGraduationYear: 0 degreeType: string areaOfStudy: string deceased: true housingStatus: Own streetAddress: string city: string state: string zipCode: string homePhoneNumber: string workPhoneNumber: string cellPhoneNumber: string ficoScore: 0 debtToIncomeRatio: 0 debt: 0 creditInquiryCount: 0 nonTraditionalInquiryCount: 0 mortgageDelinquencyCount: 0 thirtyDayLatePaymentCount: 0 sixtyDayLatePaymentCount: 0 tradeDelinquencyCount: 0 chargeOffCount: 0 numberOfMonthsSinceAnyThirtyDayLatePayments: 0 derogatoryRemarkCount: 0 hasFiledForBankruptcy: true monthsSinceBankruptcyFiled: 0 monthsSinceBankruptcyDismissed: 0 monthsSinceBankruptcyStatusDate: 0 cosigners: - ssn: string fullName: string dateOfBirth: string annualIncome: 0 employerName: string emailAddress: string schoolName: string schoolOpeCode: string schoolGraduationYear: 0 degreeType: string areaOfStudy: string deceased: true housingStatus: Own streetAddress: string city: string state: string zipCode: string homePhoneNumber: string workPhoneNumber: string cellPhoneNumber: string ficoScore: 0 debtToIncomeRatio: 0 debt: 0 creditInquiryCount: 0 sixtyDayLatePaymentCount: 0 tradeDelinquencyCount: 0 chargeOffCount: 0 nonTraditionalInquiryCount: 0 mortgageDelinquencyCount: 0 thirtyDayLatePaymentCount: 0 numberOfMonthsSinceAnyThirtyDayLatePayments: 0 derogatoryRemarkCount: 0 hasFiledForBankruptcy: true monthsSinceBankruptcyFiled: 0 monthsSinceBankruptcyDismissed: 0 monthsSinceBankruptcyStatusDate: 0 programId: string loanAccountNumber: string fundImmediatelyOnApproval: true immediateFundingInstructions: - amountToFund: 0 routingNumber: string accountNumber: string accountName: string accountType: Checking platformReferenceNumber: string aanReasons: - string propertyDetails: streetAddress: string city: string state: string zipCode: string cltv: 0 propertyType: Other unitCount: 0 automatedValuationModel: 0 manualValuationModel: 0 avmConfidenceScore: 0 outstandingMortgageBalance: 0 contractors: - name: string ein: string resultOfCounterOfferProcess: true monthlyPayment: 0 termLength: 0 merchantDiscountRatePercentage: 0 merchantDiscountRateAmount: 0 originationFeePercentage: 0 originationFeeAmount: 0 paymentFactor: 0 partnerStatus: Signed partnerStatusReason: string acquisitionChannelName: string stagedFundingDetails: expectedNumberOfStages: 0 expectedFundingLevels: - fundingStageNumber: 0 expectedFundingPercentage: 0 application/*+json: schema: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.CreateLoanApplicationDto' example: platformReferenceNumber: string applicationDate: string requestedLoanAmount: 0 maximumApprovedLoanAmount: 0 loanAmount: 0 netFundingAmount: 0 partnerLoanApprovalDate: string apr: 0 noteRate: 0 collateralCategory: string loanPurpose: string defaultProbability: 0 customRiskScore: string customGrade: string isMlaLoan: true mlaChecked: true ofacChecked: true promotionDetails: promotionMonths: 0 borrowers: - ssn: string fullName: string dateOfBirth: string annualIncome: 0 employerName: string emailAddress: string schoolName: string schoolOpeCode: string schoolGraduationYear: 0 degreeType: string areaOfStudy: string deceased: true housingStatus: Own streetAddress: string city: string state: string zipCode: string homePhoneNumber: string workPhoneNumber: string cellPhoneNumber: string ficoScore: 0 debtToIncomeRatio: 0 debt: 0 creditInquiryCount: 0 nonTraditionalInquiryCount: 0 mortgageDelinquencyCount: 0 thirtyDayLatePaymentCount: 0 sixtyDayLatePaymentCount: 0 tradeDelinquencyCount: 0 chargeOffCount: 0 numberOfMonthsSinceAnyThirtyDayLatePayments: 0 derogatoryRemarkCount: 0 hasFiledForBankruptcy: true monthsSinceBankruptcyFiled: 0 monthsSinceBankruptcyDismissed: 0 monthsSinceBankruptcyStatusDate: 0 cosigners: - ssn: string fullName: string dateOfBirth: string annualIncome: 0 employerName: string emailAddress: string schoolName: string schoolOpeCode: string schoolGraduationYear: 0 degreeType: string areaOfStudy: string deceased: true housingStatus: Own streetAddress: string city: string state: string zipCode: string homePhoneNumber: string workPhoneNumber: string cellPhoneNumber: string ficoScore: 0 debtToIncomeRatio: 0 debt: 0 creditInquiryCount: 0 sixtyDayLatePaymentCount: 0 tradeDelinquencyCount: 0 chargeOffCount: 0 nonTraditionalInquiryCount: 0 mortgageDelinquencyCount: 0 thirtyDayLatePaymentCount: 0 numberOfMonthsSinceAnyThirtyDayLatePayments: 0 derogatoryRemarkCount: 0 hasFiledForBankruptcy: true monthsSinceBankruptcyFiled: 0 monthsSinceBankruptcyDismissed: 0 monthsSinceBankruptcyStatusDate: 0 programId: string loanAccountNumber: string fundImmediatelyOnApproval: true immediateFundingInstructions: - amountToFund: 0 routingNumber: string accountNumber: string accountName: string accountType: Checking platformReferenceNumber: string aanReasons: - string propertyDetails: streetAddress: string city: string state: string zipCode: string cltv: 0 propertyType: Other unitCount: 0 automatedValuationModel: 0 manualValuationModel: 0 avmConfidenceScore: 0 outstandingMortgageBalance: 0 contractors: - name: string ein: string resultOfCounterOfferProcess: true monthlyPayment: 0 termLength: 0 merchantDiscountRatePercentage: 0 merchantDiscountRateAmount: 0 originationFeePercentage: 0 originationFeeAmount: 0 paymentFactor: 0 partnerStatus: Signed partnerStatusReason: string acquisitionChannelName: string stagedFundingDetails: expectedNumberOfStages: 0 expectedFundingLevels: - fundingStageNumber: 0 expectedFundingPercentage: 0 responses: '202': description: Accepted content: text/plain: schema: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.LoanApplicationAcceptedDto' examples: default: value: null application/json: schema: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.LoanApplicationAcceptedDto' example: id: string immediateFundingInstructions: - platformReferenceNumber: string fundingInstructionId: string text/json: schema: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.LoanApplicationAcceptedDto' example: id: string immediateFundingInstructions: - platformReferenceNumber: string fundingInstructionId: string '400': description: BadRequest content: application/problem+json: schema: $ref: '#/components/schemas/Microsoft.AspNetCore.Mvc.ValidationProblemDetails' example: type: https://tools.ietf.org/html/rfc9110#section-15.5.1 title: One or more validation errors occurred. status: 400 traceId: string '401': description: Unauthorized content: application/problem+json: schema: $ref: '#/components/schemas/Microsoft.AspNetCore.Mvc.ProblemDetails' example: type: https://tools.ietf.org/html/rfc9110#section-15.5.2 title: Unauthorized status: 401 traceId: string '403': description: Forbidden content: application/problem+json: schema: $ref: '#/components/schemas/Microsoft.AspNetCore.Mvc.ProblemDetails' example: type: https://tools.ietf.org/html/rfc9110#section-15.5.4 title: Forbidden status: 403 traceId: string '422': description: UnprocessableEntity content: application/problem+json: schema: $ref: '#/components/schemas/Microsoft.AspNetCore.Mvc.ValidationProblemDetails' example: type: https://tools.ietf.org/html/rfc4918#section-11.2 title: Unprocessable Entity status: 422 traceId: string '500': description: InternalServerError content: application/problem+json: schema: $ref: '#/components/schemas/Microsoft.AspNetCore.Mvc.ProblemDetails' example: type: https://tools.ietf.org/html/rfc9110#section-15.6.1 title: An error occurred while processing your request. status: 500 traceId: string get: tags: - LoanApplication summary: /application - GET description: Retrieve a paginated list of loan applications filtered by the search options provided. operationId: get-application parameters: - name: programId in: query description: The partner program id to search applications for schema: type: string format: uuid example: 00000000-0000-0000-0000-000000000000 example: 00000000-0000-0000-0000-000000000000 - name: paginateResults in: query schema: type: boolean - name: page in: query schema: type: integer format: int32 - name: perPage in: query schema: type: integer format: int32 - name: sortOn in: query schema: type: string - name: sortAscending in: query schema: type: boolean responses: '200': description: OK content: text/plain: schema: $ref: '#/components/schemas/Cubi.Common.Abstractions.Paginated_Cubi.ConsumerLending.WebApi.Dto.LoanApplicationResponseDto' examples: default: value: null application/json: schema: $ref: '#/components/schemas/Cubi.Common.Abstractions.Paginated_Cubi.ConsumerLending.WebApi.Dto.LoanApplicationResponseDto' example: pageSize: 0 pageOffset: 0 totalPages: 0 totalItemCount: 0 items: - id: string platformReferenceNumber: string applicationDate: string requestedLoanAmount: 0 maximumApprovedLoanAmount: 0 loanAmount: 0 netFundingAmount: 0 partnerLoanApprovalDate: string apr: 0 noteRate: 0 loanAccountNumber: string collateralCategory: string loanPurpose: string defaultProbability: 0 customRiskScore: string customGrade: string mlaLoan: true mlaChecked: true ofacChecked: true promotionDetails: promotionMonths: 0 propertyDetails: streetAddress: string city: string state: string zipCode: string cltv: 0 propertyType: Other unitCount: 0 automatedValuationModel: 0 manualValuationModel: 0 avmConfidenceScore: 0 outstandingMortgageBalance: 0 programId: string applicationStatus: string borrowers: - id: string ssn: string fullName: string dateOfBirth: string annualIncome: 0 employerName: string emailAddress: string schoolName: string schoolOpeCode: string schoolGraduationYear: 0 degreeType: string areaOfStudy: string deceased: true housingStatus: Own streetAddress: string city: string state: string zipCode: string homePhoneNumber: string workPhoneNumber: string cellPhoneNumber: string ficoScore: 0 debtToIncomeRatio: 0 creditInquiryCount: 0 chargeOffCount: 0 tradeDelinquencyCount: 0 sixtyDayLatePaymentCount: 0 nonTraditionalInquiryCount: 0 mortgageDelinquencyCount: 0 thirtyDayLatePaymentCount: 0 numberOfMonthsSinceAnyThirtyDayLatePayments: 0 derogatoryRemarkCount: 0 hasFiledForBankruptcy: true debt: 0 monthsSinceBankruptcyFiled: 0 monthsSinceBankruptcyDismissed: 0 monthsSinceBankruptcyStatusDate: 0 cosigners: - id: string ssn: string fullName: string dateOfBirth: string annualIncome: 0 employerName: string emailAddress: string schoolName: string schoolOpeCode: string schoolGraduationYear: 0 degreeType: string areaOfStudy: string deceased: true housingStatus: Own streetAddress: string city: string state: string zipCode: string homePhoneNumber: string workPhoneNumber: string cellPhoneNumber: string ficoScore: 0 debtToIncomeRatio: 0 creditInquiryCount: 0 nonTraditionalInquiryCount: 0 chargeOffCount: 0 tradeDelinquencyCount: 0 sixtyDayLatePaymentCount: 0 mortgageDelinquencyCount: 0 thirtyDayLatePaymentCount: 0 numberOfMonthsSinceAnyThirtyDayLatePayments: 0 derogatoryRemarkCount: 0 hasFiledForBankruptcy: true debt: 0 monthsSinceBankruptcyFiled: 0 monthsSinceBankruptcyDismissed: 0 monthsSinceBankruptcyStatusDate: 0 rejectionReasons: - processingDate: string ruleName: string errorMessage: string fundImmediatelyOnApproval: true immediateFundingInstructions: - amountToFund: 0 routingNumber: string accountNumber: string accountName: string accountType: Checking receivedDate: string platformReferenceNumber: string loanId: string aanReasons: - string contractors: - name: string ein: string resultOfCounterOfferProcess: true monthlyPayment: 0 termLength: 0 merchantDiscountRatePercentage: 0 merchantDiscountRateAmount: 0 originationFeePercentage: 0 originationFeeAmount: 0 paymentFactor: 0 partnerStatus: Signed partnerStatusReason: string acquisitionChannelName: string stagedFundingDetails: expectedNumberOfStages: 0 expectedFundingLevels: - fundingStageNumber: 0 expectedFundingPercentage: 0 text/json: schema: $ref: '#/components/schemas/Cubi.Common.Abstractions.Paginated_Cubi.ConsumerLending.WebApi.Dto.LoanApplicationResponseDto' example: pageSize: 0 pageOffset: 0 totalPages: 0 totalItemCount: 0 items: - id: string platformReferenceNumber: string applicationDate: string requestedLoanAmount: 0 maximumApprovedLoanAmount: 0 loanAmount: 0 netFundingAmount: 0 partnerLoanApprovalDate: string apr: 0 noteRate: 0 loanAccountNumber: string collateralCategory: string loanPurpose: string defaultProbability: 0 customRiskScore: string customGrade: string mlaLoan: true mlaChecked: true ofacChecked: true promotionDetails: promotionMonths: 0 propertyDetails: streetAddress: string city: string state: string zipCode: string cltv: 0 propertyType: Other unitCount: 0 automatedValuationModel: 0 manualValuationModel: 0 avmConfidenceScore: 0 outstandingMortgageBalance: 0 programId: string applicationStatus: string borrowers: - id: string ssn: string fullName: string dateOfBirth: string annualIncome: 0 employerName: string emailAddress: string schoolName: string schoolOpeCode: string schoolGraduationYear: 0 degreeType: string areaOfStudy: string deceased: true housingStatus: Own streetAddress: string city: string state: string zipCode: string homePhoneNumber: string workPhoneNumber: string cellPhoneNumber: string ficoScore: 0 debtToIncomeRatio: 0 creditInquiryCount: 0 chargeOffCount: 0 tradeDelinquencyCount: 0 sixtyDayLatePaymentCount: 0 nonTraditionalInquiryCount: 0 mortgageDelinquencyCount: 0 thirtyDayLatePaymentCount: 0 numberOfMonthsSinceAnyThirtyDayLatePayments: 0 derogatoryRemarkCount: 0 hasFiledForBankruptcy: true debt: 0 monthsSinceBankruptcyFiled: 0 monthsSinceBankruptcyDismissed: 0 monthsSinceBankruptcyStatusDate: 0 cosigners: - id: string ssn: string fullName: string dateOfBirth: string annualIncome: 0 employerName: string emailAddress: string schoolName: string schoolOpeCode: string schoolGraduationYear: 0 degreeType: string areaOfStudy: string deceased: true housingStatus: Own streetAddress: string city: string state: string zipCode: string homePhoneNumber: string workPhoneNumber: string cellPhoneNumber: string ficoScore: 0 debtToIncomeRatio: 0 creditInquiryCount: 0 nonTraditionalInquiryCount: 0 chargeOffCount: 0 tradeDelinquencyCount: 0 sixtyDayLatePaymentCount: 0 mortgageDelinquencyCount: 0 thirtyDayLatePaymentCount: 0 numberOfMonthsSinceAnyThirtyDayLatePayments: 0 derogatoryRemarkCount: 0 hasFiledForBankruptcy: true debt: 0 monthsSinceBankruptcyFiled: 0 monthsSinceBankruptcyDismissed: 0 monthsSinceBankruptcyStatusDate: 0 rejectionReasons: - processingDate: string ruleName: string errorMessage: string fundImmediatelyOnApproval: true immediateFundingInstructions: - amountToFund: 0 routingNumber: string accountNumber: string accountName: string accountType: Checking receivedDate: string platformReferenceNumber: string loanId: string aanReasons: - string contractors: - name: string ein: string resultOfCounterOfferProcess: true monthlyPayment: 0 termLength: 0 merchantDiscountRatePercentage: 0 merchantDiscountRateAmount: 0 originationFeePercentage: 0 originationFeeAmount: 0 paymentFactor: 0 partnerStatus: Signed partnerStatusReason: string acquisitionChannelName: string stagedFundingDetails: expectedNumberOfStages: 0 expectedFundingLevels: - fundingStageNumber: 0 expectedFundingPercentage: 0 '400': description: BadRequest content: application/problem+json: schema: $ref: '#/components/schemas/Microsoft.AspNetCore.Mvc.ValidationProblemDetails' example: type: https://tools.ietf.org/html/rfc9110#section-15.5.1 title: One or more validation errors occurred. status: 400 traceId: string '401': description: Unauthorized content: application/problem+json: schema: $ref: '#/components/schemas/Microsoft.AspNetCore.Mvc.ProblemDetails' example: type: https://tools.ietf.org/html/rfc9110#section-15.5.2 title: Unauthorized status: 401 traceId: string '403': description: Forbidden content: application/problem+json: schema: $ref: '#/components/schemas/Microsoft.AspNetCore.Mvc.ProblemDetails' example: type: https://tools.ietf.org/html/rfc9110#section-15.5.4 title: Forbidden status: 403 traceId: string '404': description: NotFound content: application/problem+json: schema: $ref: '#/components/schemas/Microsoft.AspNetCore.Mvc.ProblemDetails' example: type: https://tools.ietf.org/html/rfc9110#section-15.5.5 title: Not Found status: 404 traceId: string '422': description: UnprocessableEntity content: application/problem+json: schema: $ref: '#/components/schemas/Microsoft.AspNetCore.Mvc.ValidationProblemDetails' example: type: https://tools.ietf.org/html/rfc4918#section-11.2 title: Unprocessable Entity status: 422 traceId: string '500': description: InternalServerError content: application/problem+json: schema: $ref: '#/components/schemas/Microsoft.AspNetCore.Mvc.ProblemDetails' example: type: https://tools.ietf.org/html/rfc9110#section-15.6.1 title: An error occurred while processing your request. status: 500 traceId: string /application/{id}: get: tags: - LoanApplication summary: /application/{id} - GET description: Retrieve a specific loan application using its Id value. operationId: get-application-id parameters: - name: id in: path description: '' required: true schema: type: string format: uuid responses: '200': description: OK content: text/plain: schema: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.LoanApplicationResponseDto' examples: default: value: null application/json: schema: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.LoanApplicationResponseDto' example: id: string platformReferenceNumber: string applicationDate: string requestedLoanAmount: 0 maximumApprovedLoanAmount: 0 loanAmount: 0 netFundingAmount: 0 partnerLoanApprovalDate: string apr: 0 noteRate: 0 loanAccountNumber: string collateralCategory: string loanPurpose: string defaultProbability: 0 customRiskScore: string customGrade: string mlaLoan: true mlaChecked: true ofacChecked: true promotionDetails: promotionMonths: 0 propertyDetails: streetAddress: string city: string state: string zipCode: string cltv: 0 propertyType: Other unitCount: 0 automatedValuationModel: 0 manualValuationModel: 0 avmConfidenceScore: 0 outstandingMortgageBalance: 0 programId: string applicationStatus: string borrowers: - id: string ssn: string fullName: string dateOfBirth: string annualIncome: 0 employerName: string emailAddress: string schoolName: string schoolOpeCode: string schoolGraduationYear: 0 degreeType: string areaOfStudy: string deceased: true housingStatus: Own streetAddress: string city: string state: string zipCode: string homePhoneNumber: string workPhoneNumber: string cellPhoneNumber: string ficoScore: 0 debtToIncomeRatio: 0 creditInquiryCount: 0 chargeOffCount: 0 tradeDelinquencyCount: 0 sixtyDayLatePaymentCount: 0 nonTraditionalInquiryCount: 0 mortgageDelinquencyCount: 0 thirtyDayLatePaymentCount: 0 numberOfMonthsSinceAnyThirtyDayLatePayments: 0 derogatoryRemarkCount: 0 hasFiledForBankruptcy: true debt: 0 monthsSinceBankruptcyFiled: 0 monthsSinceBankruptcyDismissed: 0 monthsSinceBankruptcyStatusDate: 0 cosigners: - id: string ssn: string fullName: string dateOfBirth: string annualIncome: 0 employerName: string emailAddress: string schoolName: string schoolOpeCode: string schoolGraduationYear: 0 degreeType: string areaOfStudy: string deceased: true housingStatus: Own streetAddress: string city: string state: string zipCode: string homePhoneNumber: string workPhoneNumber: string cellPhoneNumber: string ficoScore: 0 debtToIncomeRatio: 0 creditInquiryCount: 0 nonTraditionalInquiryCount: 0 chargeOffCount: 0 tradeDelinquencyCount: 0 sixtyDayLatePaymentCount: 0 mortgageDelinquencyCount: 0 thirtyDayLatePaymentCount: 0 numberOfMonthsSinceAnyThirtyDayLatePayments: 0 derogatoryRemarkCount: 0 hasFiledForBankruptcy: true debt: 0 monthsSinceBankruptcyFiled: 0 monthsSinceBankruptcyDismissed: 0 monthsSinceBankruptcyStatusDate: 0 rejectionReasons: - processingDate: string ruleName: string errorMessage: string fundImmediatelyOnApproval: true immediateFundingInstructions: - amountToFund: 0 routingNumber: string accountNumber: string accountName: string accountType: Checking receivedDate: string platformReferenceNumber: string loanId: string aanReasons: - string contractors: - name: string ein: string resultOfCounterOfferProcess: true monthlyPayment: 0 termLength: 0 merchantDiscountRatePercentage: 0 merchantDiscountRateAmount: 0 originationFeePercentage: 0 originationFeeAmount: 0 paymentFactor: 0 partnerStatus: Signed partnerStatusReason: string acquisitionChannelName: string stagedFundingDetails: expectedNumberOfStages: 0 expectedFundingLevels: - fundingStageNumber: 0 expectedFundingPercentage: 0 text/json: schema: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.LoanApplicationResponseDto' example: id: string platformReferenceNumber: string applicationDate: string requestedLoanAmount: 0 maximumApprovedLoanAmount: 0 loanAmount: 0 netFundingAmount: 0 partnerLoanApprovalDate: string apr: 0 noteRate: 0 loanAccountNumber: string collateralCategory: string loanPurpose: string defaultProbability: 0 customRiskScore: string customGrade: string mlaLoan: true mlaChecked: true ofacChecked: true promotionDetails: promotionMonths: 0 propertyDetails: streetAddress: string city: string state: string zipCode: string cltv: 0 propertyType: Other unitCount: 0 automatedValuationModel: 0 manualValuationModel: 0 avmConfidenceScore: 0 outstandingMortgageBalance: 0 programId: string applicationStatus: string borrowers: - id: string ssn: string fullName: string dateOfBirth: string annualIncome: 0 employerName: string emailAddress: string schoolName: string schoolOpeCode: string schoolGraduationYear: 0 degreeType: string areaOfStudy: string deceased: true housingStatus: Own streetAddress: string city: string state: string zipCode: string homePhoneNumber: string workPhoneNumber: string cellPhoneNumber: string ficoScore: 0 debtToIncomeRatio: 0 creditInquiryCount: 0 chargeOffCount: 0 tradeDelinquencyCount: 0 sixtyDayLatePaymentCount: 0 nonTraditionalInquiryCount: 0 mortgageDelinquencyCount: 0 thirtyDayLatePaymentCount: 0 numberOfMonthsSinceAnyThirtyDayLatePayments: 0 derogatoryRemarkCount: 0 hasFiledForBankruptcy: true debt: 0 monthsSinceBankruptcyFiled: 0 monthsSinceBankruptcyDismissed: 0 monthsSinceBankruptcyStatusDate: 0 cosigners: - id: string ssn: string fullName: string dateOfBirth: string annualIncome: 0 employerName: string emailAddress: string schoolName: string schoolOpeCode: string schoolGraduationYear: 0 degreeType: string areaOfStudy: string deceased: true housingStatus: Own streetAddress: string city: string state: string zipCode: string homePhoneNumber: string workPhoneNumber: string cellPhoneNumber: string ficoScore: 0 debtToIncomeRatio: 0 creditInquiryCount: 0 nonTraditionalInquiryCount: 0 chargeOffCount: 0 tradeDelinquencyCount: 0 sixtyDayLatePaymentCount: 0 mortgageDelinquencyCount: 0 thirtyDayLatePaymentCount: 0 numberOfMonthsSinceAnyThirtyDayLatePayments: 0 derogatoryRemarkCount: 0 hasFiledForBankruptcy: true debt: 0 monthsSinceBankruptcyFiled: 0 monthsSinceBankruptcyDismissed: 0 monthsSinceBankruptcyStatusDate: 0 rejectionReasons: - processingDate: string ruleName: string errorMessage: string fundImmediatelyOnApproval: true immediateFundingInstructions: - amountToFund: 0 routingNumber: string accountNumber: string accountName: string accountType: Checking receivedDate: string platformReferenceNumber: string loanId: string aanReasons: - string contractors: - name: string ein: string resultOfCounterOfferProcess: true monthlyPayment: 0 termLength: 0 merchantDiscountRatePercentage: 0 merchantDiscountRateAmount: 0 originationFeePercentage: 0 originationFeeAmount: 0 paymentFactor: 0 partnerStatus: Signed partnerStatusReason: string acquisitionChannelName: string stagedFundingDetails: expectedNumberOfStages: 0 expectedFundingLevels: - fundingStageNumber: 0 expectedFundingPercentage: 0 '400': description: BadRequest content: application/problem+json: schema: $ref: '#/components/schemas/Microsoft.AspNetCore.Mvc.ValidationProblemDetails' example: type: https://tools.ietf.org/html/rfc9110#section-15.5.1 title: One or more validation errors occurred. status: 400 traceId: string '401': description: Unauthorized content: application/problem+json: schema: $ref: '#/components/schemas/Microsoft.AspNetCore.Mvc.ProblemDetails' example: type: https://tools.ietf.org/html/rfc9110#section-15.5.2 title: Unauthorized status: 401 traceId: string '403': description: Forbidden content: application/problem+json: schema: $ref: '#/components/schemas/Microsoft.AspNetCore.Mvc.ProblemDetails' example: type: https://tools.ietf.org/html/rfc9110#section-15.5.4 title: Forbidden status: 403 traceId: string '404': description: NotFound content: application/problem+json: schema: $ref: '#/components/schemas/Microsoft.AspNetCore.Mvc.ProblemDetails' example: type: https://tools.ietf.org/html/rfc9110#section-15.5.5 title: Not Found status: 404 traceId: string '422': description: UnprocessableEntity content: application/problem+json: schema: $ref: '#/components/schemas/Microsoft.AspNetCore.Mvc.ValidationProblemDetails' example: type: https://tools.ietf.org/html/rfc4918#section-11.2 title: Unprocessable Entity status: 422 traceId: string '500': description: InternalServerError content: application/problem+json: schema: $ref: '#/components/schemas/Microsoft.AspNetCore.Mvc.ProblemDetails' example: type: https://tools.ietf.org/html/rfc9110#section-15.6.1 title: An error occurred while processing your request. status: 500 traceId: string components: schemas: Cubi.ConsumerLending.WebApi.Dto.LoanApplicationCosignerDto: required: - annualIncome - city - dateOfBirth - debt - debtToIncomeRatio - ficoScore - fullName - ssn - state - streetAddress - zipCode type: object properties: ssn: minLength: 1 type: string description: Cosigner's SSN. This must be between 9 and 11 characters in length and in a valid SSN format fullName: minLength: 1 type: string description: Full name of the cosigner. Must be 255 characters long or less dateOfBirth: type: string description: Cosigner's date of birth. All cosigners must be between 18 and 120 years old on the loan application date format: date-time annualIncome: type: number description: Annual income of the cosigner. format: double employerName: type: - string - 'null' description: Cosigner's employer name emailAddress: type: - string - 'null' description: Cosigner's email address schoolName: type: - string - 'null' description: Name of the post secondary school the cosigner attended schoolOpeCode: type: - string - 'null' description: The Office of Post Secondary Education (OPE) code for the post secondary school the cosigner attended schoolGraduationYear: type: - integer - 'null' description: Year that the cosigner graduated from their post secondary school format: int32 degreeType: type: - string - 'null' description: Type of degree the cosigner received when graduating from post secondary school areaOfStudy: type: - string - 'null' description: Area of study for the degree the cosigner received deceased: type: boolean description: Indicates that the cosigner is deceased housingStatus: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.HousingStatus' streetAddress: minLength: 1 type: string description: Street portion of the cosigner's primary residence address. Must be 255 characters long or less city: minLength: 1 type: string description: City portion of the cosigner's primary residence address. Must be 255 characters long or less state: minLength: 1 type: string description: State portion of the cosigner's primary residence address. Must be 2 characters long zipCode: minLength: 1 type: string description: Zip Code portion of the cosigner's primary residence address homePhoneNumber: type: - string - 'null' description: Cosigner's home phone number workPhoneNumber: type: - string - 'null' description: Cosigner's work phone number cellPhoneNumber: type: - string - 'null' description: Cosigner's cell phone number ficoScore: type: integer description: Cosigner's FICO score. Must be between 0 and 1000 format: int32 debtToIncomeRatio: type: number description: Cosigner's Debt to Income ratio. Must be between 0.00 and 100.00 format: double debt: type: number description: Cosigner's amount of Debt. Must be greater than 0.00 format: double creditInquiryCount: type: integer description: Number of credit inquiries for this person. This count can be over any time period (i.e. over the last 6 months). If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/programs. format: int32 sixtyDayLatePaymentCount: type: integer description: Number of payments later than 60 days for this person. This count can be over any time period (i.e. over the last 6 months). If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program. format: int32 tradeDelinquencyCount: type: integer description: Number of Currently DQ Trades (any). his count can be over any time period (i.e. over the last 24 months) If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program. format: int32 chargeOffCount: type: integer description: Number of Chargeoff in months (excluding collections). his count can be over any time period (i.e. over the last 24 months) If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program. format: int32 nonTraditionalInquiryCount: type: integer description: Number of months since any thirty day late payments have been recorded. If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program. format: int32 mortgageDelinquencyCount: type: integer description: Number of mortgage delinquencies for this person. This count can be over any time period (i.e. over the last 6 months). If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program. format: int32 thirtyDayLatePaymentCount: type: integer description: Number of payments later than 30 days for this person. This count can be over any time period (i.e. over the last 6 months). If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program. format: int32 numberOfMonthsSinceAnyThirtyDayLatePayments: type: integer description: Number of months since any thirty day late payments have been recorded. If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program. format: int32 derogatoryRemarkCount: type: integer description: Number of derogatory remarks for this person. This count can be over any time period (i.e. over the last 6 months). If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program. format: int32 hasFiledForBankruptcy: type: boolean description: Has this person had a bankruptcy. This value can be over any time period (i.e. over the last 6 months). If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program. monthsSinceBankruptcyFiled: type: integer description: Number of months since this person last filed for bankruptcy. format: int32 monthsSinceBankruptcyDismissed: type: integer description: Number of months since this person last had a bankruptcy dismissed. format: int32 monthsSinceBankruptcyStatusDate: type: integer description: Number of months since the last bankruptcy status date. format: int32 additionalProperties: false Cubi.ConsumerLending.WebApi.Dto.CreateLoanApplicationDto: required: - applicationDate - apr - borrowers - isMlaLoan - loanAccountNumber - loanAmount - loanPurpose - maximumApprovedLoanAmount - mlaChecked - ofacChecked - partnerStatus - platformReferenceNumber - programId - requestedLoanAmount - termLength type: object properties: platformReferenceNumber: minLength: 1 type: string description: Provided by the API caller. The value must be unique within the Program that the application is submitted. The value should be between 1 and 36 characters in length applicationDate: type: string description: The date the loan application was completed. It may differ from the submission date if the application was submitted later format: date-time requestedLoanAmount: type: number description: The dollar amount the customer requested at the time of initial application. format: double maximumApprovedLoanAmount: type: number description: The highest dollar amount this application qualifies for format: double loanAmount: type: number description: The dollar amount that will appear on the loan agreement format: double netFundingAmount: type: - number - 'null' description: The amount expected to be disbursed to the borrower after deductions format: double partnerLoanApprovalDate: type: - string - 'null' description: The UTC date-time when the partner approved the application in their system/process format: date-time apr: type: number description: The APR in a decimal format. Must be greater than 0. An 18.5% APR should be submitted as 18.5 format: double noteRate: type: number description: The rate that exists on the note. An 18.5% rate should be submitted as 18.5 format: double collateralCategory: type: - string - 'null' description: The description of the category for any collateral tied to the application loanPurpose: minLength: 1 type: string description: A description of the purpose of the loan defaultProbability: type: number description: The probability (in percentage), as determined by the API caller, that the loan will default to. 18.5% should be submitted as 18.5 format: double customRiskScore: type: - string - 'null' description: A risk score that the API caller has established for the application/borrower(s). This is a text field and can be in any form the API caller desires customGrade: type: - string - 'null' description: A grade that the API caller has assigned to this loan application. This is a text field and can be in any form the API caller desires isMlaLoan: type: boolean description: Indicates if the loan application is governed by the Military Lending Act (MLA) mlaChecked: type: boolean description: Indicates that the application has be verified against the Military Lending Act (MLA) ofacChecked: type: boolean description: Indicates that the borrowers and cosigners have been OFAC checked by the API caller promotionDetails: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.CreateLoanApplicationPromotionDto' borrowers: type: array items: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.LoanApplicationBorrowerDto' description: The list of all the borrowers cosigners: type: - array - 'null' items: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.LoanApplicationCosignerDto' description: The list of all the cosigners programId: type: string description: The id of the program that this application is being submitted under. A list of programs available for the Partner is available by calling the GET /program API format: uuid loanAccountNumber: minLength: 1 type: string description: Assigned to this application by the caller. This value must be unique within the Program that the application is submitted under. The value needs to be more than 0 characters and up to 20 characters included fundImmediatelyOnApproval: type: boolean description: Indicates that this application should be immediately funded using the ImmediateFundingInstructions when it is approved and converted from an application to a loan immediateFundingInstructions: type: - array - 'null' items: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.FundingInstructionDto' description: The list of funding instructions to be executed if the application is approved. The FundImmediatelyOnApproval flag is set to true aanReasons: type: - array - 'null' items: type: string description: The list of Adverse Action Notice (AAN) Reasons collected for this application. Maximum length for each AAN Reason is 255 characters included. Anything longer than that will be trimmed. This field is required if PartnerStatus is set to Declined propertyDetails: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.CreateLoanApplicationPropertyDto' contractors: type: - array - 'null' items: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.LoanApplicationContractorDto' description: The list of Contractors associated with this application. This is required if the application program is a Home Improvement Loan resultOfCounterOfferProcess: type: - boolean - 'null' description: Indicates that the application is a result of a counteroffer process being engaged monthlyPayment: type: number description: The monthly payment for the application. Must be greater than 0 format: double termLength: type: integer description: The loan term for the application inputed as months. Must be greater than 0 format: int32 merchantDiscountRatePercentage: type: - number - 'null' description: The merchant discount rate (MDR) percentage for the application. If the value is 6.5%, provide 6.5. If the program assigned to this application is configured with a fee type of Mdr or MdrAndOrigination, this value cannot be null and should be 0.00 if no MDR is present format: double merchantDiscountRateAmount: type: - number - 'null' description: The merchant discount rate (MDR) amount (in dollars) for the application. This amount is subtracted from the ApprovedLoanAmount to determine the maximum amount of funds that can be disbursed on an application. If the program assigned to this application is configured with a fee type of Mdr or MdrAndOrigination, this value cannot be null and should be 0.00 if no MDR is present format: double originationFeePercentage: type: - number - 'null' description: The origination fee percentage for the application. If the value is six point five percent, provide 6.5. If the program assigned to this application is configured with a fee type of Origination or MdrAndOrigination, this value cannot be null and should be 0.00 if no origination fee is present format: double originationFeeAmount: type: - number - 'null' description: The origination fee amount (in dollars) for the application. This amount is subtracted from the ApprovedLoanAmount to determine the maximum amount of funds that can be disbursed on an application. If the program assigned to this application is configured with a fee type of Origination or MdrAndOrigination, this value cannot be null and should be 0.00 if no origination fee is present format: double paymentFactor: type: - number - 'null' description: The factor used to calculate the monthly payment format: double partnerStatus: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.ApplicationPartnerStatus' partnerStatusReason: type: - string - 'null' description: The reason for the partner setting the indicated PartnerStatus state acquisitionChannelName: type: - string - 'null' description: The channel that the API caller acquired this application from. This can be any value as determined by the API caller, but the values provided should be consistently used stagedFundingDetails: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.StagedFundingDetailDto' additionalProperties: false description: Details about a loan application that is to be created Cubi.ConsumerLending.WebApi.Dto.AccountType: enum: - Checking - Savings type: string Cubi.ConsumerLending.WebApi.Dto.CreateLoanApplicationPropertyDto: required: - city - cltv - propertyType - state - streetAddress - unitCount - zipCode type: object properties: streetAddress: minLength: 1 type: string description: Street Address of the property associated with the application. Must be 255 characters long or less city: minLength: 1 type: string description: City of the property associated with the application. Must be 255 characters long or less state: minLength: 1 type: string description: State of the property associated with the application. Must be 2 characters long zipCode: minLength: 1 type: string description: Zip Code of the property associated with the application cltv: type: number description: Combined loan-to-value (CLTV) ratio for the property format: double propertyType: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.PropertyType' unitCount: type: integer description: Total number of units at this property format: int32 automatedValuationModel: type: - number - 'null' description: Property valuation determined by an automated valuation model format: double manualValuationModel: type: - number - 'null' description: Property valuation determined by a manual modeling process format: double avmConfidenceScore: type: - number - 'null' description: Confidence score for the property valuation determined by the automated valuation model format: double outstandingMortgageBalance: type: - number - 'null' description: Balance outstanding on this property's mortgage format: double additionalProperties: false description: Details about the property associated with the loan application. This is required if the program assigned to the loan application is for Home Improvement Loans Cubi.Common.Abstractions.Paginated_Cubi.ConsumerLending.WebApi.Dto.LoanApplicationResponseDto: type: object properties: pageSize: type: integer format: int32 pageOffset: type: integer format: int32 totalPages: type: integer format: int32 totalItemCount: type: integer format: int32 items: type: array items: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.LoanApplicationResponseDto' additionalProperties: false Cubi.ConsumerLending.WebApi.Dto.LoanApplicationContractorDto: required: - ein - name type: object properties: name: minLength: 1 type: string description: Contractor's name. Maximum length of 255 characters ein: minLength: 1 type: string description: 'Contractor''s EIN or SSN. This must follow the ##-####### pattern (for EIN), or ###-##-#### (for SSN). Additional validation checking for invalid values will be applied' additionalProperties: false Cubi.ConsumerLending.WebApi.Dto.ApplicationRejectionReasonResponseDto: type: object properties: processingDate: type: string description: The date that the application processing occurred on. This value will in UTC format: date-time ruleName: type: - string - 'null' description: The rule name that caused the failure errorMessage: type: - string - 'null' description: The error message associated with the failing rule additionalProperties: false Microsoft.AspNetCore.Mvc.ValidationProblemDetails: type: object properties: type: type: - string - 'null' title: type: - string - 'null' status: type: - integer - 'null' format: int32 detail: type: - string - 'null' traceId: type: - string - 'null' errors: type: object additionalProperties: type: array items: type: string additionalProperties: {} Cubi.ConsumerLending.WebApi.Dto.StagedFundingLevelDto: required: - expectedFundingPercentage - fundingStageNumber type: object properties: fundingStageNumber: type: integer description: The order in the funding sequence that this funding stage is expected to be executed format: int32 expectedFundingPercentage: type: number description: The percentage of the overall loan that is expected to be funded in this stage of the funding format: double additionalProperties: false Cubi.ConsumerLending.WebApi.Dto.LoanApplicationBorrowerDto: required: - annualIncome - city - dateOfBirth - debt - debtToIncomeRatio - ficoScore - fullName - ssn - state - streetAddress - zipCode type: object properties: ssn: minLength: 1 type: string description: Borrower's SSN. This must be between 9 and 11 characters in length and in a valid SSN format fullName: minLength: 1 type: string description: Full name of the borrower. Must be 255 characters long or less dateOfBirth: type: string description: Borrower's date of birth. All borrowers must be between 18 and 120 years old on the loan application date format: date-time annualIncome: type: number description: Annual income of the borrower. format: double employerName: type: - string - 'null' description: Borrower's employer name emailAddress: type: - string - 'null' description: Borrower's email address schoolName: type: - string - 'null' description: Name of the post secondary school the borrower attended schoolOpeCode: type: - string - 'null' description: The Office of Post Secondary Education (OPE) code for the post secondary school the borrower attended schoolGraduationYear: type: - integer - 'null' description: Year that the borrower graduated from their post secondary school format: int32 degreeType: type: - string - 'null' description: Type of degree the borrower received when graduating from post secondary school areaOfStudy: type: - string - 'null' description: Area of study for the degree the borrower received deceased: type: boolean description: Indicates that the borrower is deceased housingStatus: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.HousingStatus' streetAddress: minLength: 1 type: string description: Street portion of the borrower's primary residence address. Must be 255 characters long or less city: minLength: 1 type: string description: City portion of the borrower's primary residence address. Must be 255 characters long or less state: minLength: 1 type: string description: State portion of the borrower's primary residence address. Must be 2 characters long zipCode: minLength: 1 type: string description: Zip Code portion of the borrower's primary residence address homePhoneNumber: type: - string - 'null' description: Borrower's home phone number workPhoneNumber: type: - string - 'null' description: Borrower's work phone number cellPhoneNumber: type: - string - 'null' description: Borrower's cell phone number ficoScore: type: integer description: Borrower's FICO score. Must be between 0 and 1000 format: int32 debtToIncomeRatio: type: number description: Borrower's Debt to Income ratio. Must be between 0.00 and 100.00 format: double debt: type: number description: Borrower's amount of Debt. Must be greater than 0.00 format: double creditInquiryCount: type: integer description: Number of credit inquiries for this person. This count can be over any time period (i.e. over the last 6 months). If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/programs. format: int32 nonTraditionalInquiryCount: type: integer description: Number of non-traditional credit inquiries for this person. This count can be over any time period (i.e. over the last 6 months). If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/programs. format: int32 mortgageDelinquencyCount: type: integer description: Number of mortgage delinquencies for this person. This count can be over any time period (i.e. over the last 6 months). If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program. format: int32 thirtyDayLatePaymentCount: type: integer description: Number of payments later than 30 days for this person. This count can be over any time period (i.e. over the last 6 months). If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program. format: int32 sixtyDayLatePaymentCount: type: integer description: Number of payments later than 60 days for this person. This count can be over any time period (i.e. over the last 6 months). If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program. format: int32 tradeDelinquencyCount: type: integer description: Number of Currently DQ Trades (any). his count can be over any time period (i.e. over the last 24 months) If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program. format: int32 chargeOffCount: type: integer description: Number of Chargeoff in months (excluding collections). his count can be over any time period (i.e. over the last 24 months) If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program. format: int32 numberOfMonthsSinceAnyThirtyDayLatePayments: type: integer description: Number of months since any thirty day late payments have been recorded. If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program. format: int32 derogatoryRemarkCount: type: integer description: Number of derogatory remarks for this person. This count can be over any time period (i.e. over the last 6 months). If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program. format: int32 hasFiledForBankruptcy: type: boolean description: Has this person had a bankruptcy. This value can be over any time period (i.e. over the last 6 months). If this value is being used as part of a policy/program approval rule, then the inclusion of this data and the time period it represents needs to be consistent across all loan applications within that policy/program. monthsSinceBankruptcyFiled: type: integer description: Number of months since this person last filed for bankruptcy. format: int32 monthsSinceBankruptcyDismissed: type: integer description: Number of months since this person last had a bankruptcy dismissed. format: int32 monthsSinceBankruptcyStatusDate: type: integer description: Number of months since the last bankruptcy status date. format: int32 additionalProperties: false Cubi.ConsumerLending.WebApi.Dto.CreateLoanApplicationPromotionDto: required: - promotionMonths type: object properties: promotionMonths: type: integer description: The number of months that any promotion assigned to the application is valid for format: int32 additionalProperties: false description: Details about the promotion associated with a loan application Cubi.ConsumerLending.WebApi.Dto.ApplicationPartnerStatus: enum: - Signed - Canceled - Declined - Rejected type: string Cubi.ConsumerLending.WebApi.Dto.StagedFundingDetailResponseDto: type: object properties: expectedNumberOfStages: type: integer description: The number of funding stages that are expected to be used to fully fund the loan format: int32 expectedFundingLevels: type: - array - 'null' items: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.StagedFundingLevelResponseDto' description: List of the expected funding levels that will be used to fully fund the loan additionalProperties: false Cubi.ConsumerLending.WebApi.Dto.StagedFundingLevelResponseDto: type: object properties: fundingStageNumber: type: integer description: The order in the funding sequence that this funding stage is expected to be executed format: int32 expectedFundingPercentage: type: number description: The percentage of the overall loan that is expected to be funded in this stage of the funding format: double additionalProperties: false Cubi.ConsumerLending.WebApi.Dto.LoanApplicationAcceptedDto: type: object properties: id: type: string description: The id assigned to the application format: uuid immediateFundingInstructions: type: - array - 'null' items: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.FundingInstructionSubmissionResponseDto' description: List of all the immediate funding instructions that were received as part of this request. This includes the Platform Reference Number that was submitted and the Funding Instruction Id to allow the caller to link any webhooks about the funding instruction to this request additionalProperties: false Cubi.ConsumerLending.WebApi.Dto.LoanApplicationContractorResponseDto: type: object properties: name: type: - string - 'null' description: Contractor's name ein: type: - string - 'null' description: Contractor's EIN additionalProperties: false Cubi.ConsumerLending.WebApi.Dto.LoanApplicationResponseDto: type: object properties: id: type: string description: The application's Id format: uuid platformReferenceNumber: type: - string - 'null' description: Platform Reference Number applicationDate: type: string description: Loan Application Date. format: date-time requestedLoanAmount: type: number description: The amount of money that was requested by the customer when they first applied format: double maximumApprovedLoanAmount: type: number description: The maximum amount of money that this application qualifies for format: double loanAmount: type: number description: The loan amount that will appear on the loan agreement format: double netFundingAmount: type: - number - 'null' description: The expected proceeds to be disbursed format: double partnerLoanApprovalDate: type: - string - 'null' description: A UTC datetime representing when the partner approved this application in their system/process format: date-time apr: type: number description: The APR on the application format: double noteRate: type: number description: The rate on the application format: double loanAccountNumber: type: - string - 'null' description: The loan account number on the application collateralCategory: type: - string - 'null' description: The category that any collateral belongs to loanPurpose: type: - string - 'null' description: A description of the purpose of the loan defaultProbability: type: number description: The probability of default that was provided on the application format: double customRiskScore: type: - string - 'null' description: The custom risk score provided on the application customGrade: type: - string - 'null' description: The custom grade provided on the application mlaLoan: type: boolean description: The Military Lending Act (MLA) status provided on the application mlaChecked: type: boolean description: The Mla check status provided on the application ofacChecked: type: boolean description: The OFAC check status provided on the application promotionDetails: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.CreateLoanApplicationPromotionDto' propertyDetails: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.CreateLoanApplicationPropertyDto' programId: type: string description: The Combined loan-to-value (CLTV) ration provided on the application format: uuid applicationStatus: type: - string - 'null' description: The current status of the application in the ingestion and approval process borrowers: type: - array - 'null' items: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.LoanApplicationBorrowerResponseDto' description: List of all borrowers submitted on the application cosigners: type: - array - 'null' items: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.LoanApplicationCosignerResponseDto' description: List of all cosigners submitted on the application rejectionReasons: type: - array - 'null' items: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.ApplicationRejectionReasonResponseDto' description: List of any rejection reasons if the application was rejected and is in the Rejected Application Status state fundImmediatelyOnApproval: type: boolean description: Indicates that immediate funding was requested when the application was submitted immediateFundingInstructions: type: - array - 'null' items: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.ImmediateFundingInstructionResponseDto' description: List of funding instructions, that were submitted with the application, indicating what disbursements to perform if the Fund Immediately On Approval flag was set to true loanId: type: - string - 'null' description: The loan id that this application is associated with. This value will be null if the application has not been processed or has been rejected format: uuid aanReasons: type: - array - 'null' items: type: string description: List of AanReasons submitted for this application. contractors: type: - array - 'null' items: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.LoanApplicationContractorResponseDto' description: List of Contractors submitted for this application resultOfCounterOfferProcess: type: - boolean - 'null' description: Flag indicating that the application is a result of a counteroffer process being engaged monthlyPayment: type: number description: Monthly payment for the application format: double termLength: type: integer description: Loan term for the application input as months format: int32 merchantDiscountRatePercentage: type: - number - 'null' description: Merchant discount rate percentage for the application format: double merchantDiscountRateAmount: type: - number - 'null' description: Merchant discount rate amount (in dollars) for the application format: double originationFeePercentage: type: - number - 'null' description: Origination fee percentage for the application format: double originationFeeAmount: type: - number - 'null' description: Origination fee amount (in dollars) for the application format: double paymentFactor: type: - number - 'null' description: The factor used to calculate the monthly payment format: double partnerStatus: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.ApplicationPartnerStatus' partnerStatusReason: type: - string - 'null' description: Optional reason for the partner setting the indicated PartnerStatus state acquisitionChannelName: type: - string - 'null' description: The channel that the API caller acquired this application from. stagedFundingDetails: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.StagedFundingDetailResponseDto' additionalProperties: false Cubi.ConsumerLending.WebApi.Dto.LoanApplicationBorrowerResponseDto: type: object properties: id: type: string description: The id of the borrower that was included on the application. This is unique to this application. If the same borrower is included on many different applications, each of those borrower entries will have a different id value format: uuid ssn: type: - string - 'null' description: The SSN of the borrower fullName: type: - string - 'null' description: The full name of the borrower dateOfBirth: type: string description: The date of birth of the borrower. format: date-time annualIncome: type: number description: The annual income of the borrower format: double employerName: type: - string - 'null' description: The name of the borrower's employer emailAddress: type: - string - 'null' description: The email address of the borrower schoolName: type: - string - 'null' description: The post secondary school the borrower attended schoolOpeCode: type: - string - 'null' description: The Office of Post Secondary Education (OPE) code for the post secondary school the borrower attended schoolGraduationYear: type: - integer - 'null' description: The year that the borrower graduated from their post secondary school format: int32 degreeType: type: - string - 'null' description: The type of degree that the borrower received areaOfStudy: type: - string - 'null' description: The borrower's area of study in post secondary school deceased: type: boolean description: Indicates that the borrower is deceased housingStatus: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.HousingStatus' streetAddress: type: - string - 'null' description: The street portion of the borrower's primary residence address city: type: - string - 'null' description: The city portion of the borrower's primary residence address state: type: - string - 'null' description: The state portion of the borrower's primary residence address zipCode: type: - string - 'null' description: The Zip Code portion of the borrower's primary residence address homePhoneNumber: type: - string - 'null' description: The home phone number of the borrower workPhoneNumber: type: - string - 'null' description: The work phone number of the borrower cellPhoneNumber: type: - string - 'null' description: The cell phone number of the borrower ficoScore: type: integer description: The borrower's FICO score format: int32 debtToIncomeRatio: type: number description: The borrower's debt to income ratio format: double creditInquiryCount: type: integer description: Number of credit inquiries for this person. format: int32 chargeOffCount: type: integer description: Number of charge off for this person. format: int32 tradeDelinquencyCount: type: integer description: Number of trade delinquencies for this person. format: int32 sixtyDayLatePaymentCount: type: integer description: Number of months since any sixty day late payments have been recorded. format: int32 nonTraditionalInquiryCount: type: integer description: Number of non-traditional credit inquiries for this person. format: int32 mortgageDelinquencyCount: type: integer description: Number of mortgage delinquencies for this person. format: int32 thirtyDayLatePaymentCount: type: integer description: Number of payments later than 30 days for this person. format: int32 numberOfMonthsSinceAnyThirtyDayLatePayments: type: integer description: Number of months since any thirty day late payments have been recorded. format: int32 derogatoryRemarkCount: type: integer description: Number of derogatory remarks for this person. format: int32 hasFiledForBankruptcy: type: boolean description: Has this person had a bankruptcy. debt: type: - number - 'null' description: Borrower's amount of Debt. format: double monthsSinceBankruptcyFiled: type: integer description: Number of months since this person last filed for bankruptcy. format: int32 monthsSinceBankruptcyDismissed: type: integer description: Number of months since this person last had a bankruptcy dismissed. format: int32 monthsSinceBankruptcyStatusDate: type: integer description: Number of months since the last bankruptcy status date. format: int32 additionalProperties: false Cubi.ConsumerLending.WebApi.Dto.FundingInstructionSubmissionResponseDto: type: object properties: platformReferenceNumber: type: - string - 'null' description: The Platform Reference Number that was provided when the funding instruction was submitted fundingInstructionId: type: string description: The Funding Instruction Id that will be used in webhooks indicating changes in state to the funding instruction format: uuid additionalProperties: false Cubi.ConsumerLending.WebApi.Dto.StagedFundingDetailDto: required: - expectedFundingLevels - expectedNumberOfStages type: object properties: expectedNumberOfStages: type: integer description: The number of funding stages that are expected to be used to fully fund the loan format: int32 expectedFundingLevels: type: array items: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.StagedFundingLevelDto' description: List of the expected funding levels that will be used to fully fund the loan additionalProperties: false Microsoft.AspNetCore.Mvc.ProblemDetails: type: object properties: type: type: - string - 'null' title: type: - string - 'null' status: type: - integer - 'null' format: int32 detail: type: - string - 'null' traceId: type: - string - 'null' additionalProperties: {} Cubi.ConsumerLending.WebApi.Dto.HousingStatus: enum: - Own - Rent type: string Cubi.ConsumerLending.WebApi.Dto.PropertyType: enum: - Other - SingleFamily - Duplex - Triplex - Apartment - Condominium - Undeveloped - Agriculture - Commercial - MobileHome - ManufacturedHome type: string Cubi.ConsumerLending.WebApi.Dto.ImmediateFundingInstructionResponseDto: type: object properties: amountToFund: type: number description: Amount of money to disburse against the loan format: double routingNumber: type: - string - 'null' description: Routing number of the account the funds are disbursing to accountNumber: type: - string - 'null' description: Account number that the funds are disbursing to accountName: type: - string - 'null' description: The name on the account that the funds are disbursing to accountType: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.AccountType' receivedDate: type: string description: The date that the funding instruction was received on. This value will be in UTC format: date-time platformReferenceNumber: type: - string - 'null' description: The reference number provided by the API caller additionalProperties: false Cubi.ConsumerLending.WebApi.Dto.FundingInstructionDto: required: - accountName - accountNumber - accountType - amountToFund - platformReferenceNumber - routingNumber type: object properties: amountToFund: type: number description: Amount of money to disburse against the loan. Must be greater than 0.00 format: double routingNumber: minLength: 1 type: string description: Routing number of the account the funds are disbursing to. Must be between 1 and 10 characters long accountNumber: minLength: 1 type: string description: Account number that the funds are disbursing to. Must be 255 characters long or less accountName: minLength: 1 type: string description: The name on the account that the funds are disbursing to. Must be 255 characters long or less accountType: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.AccountType' platformReferenceNumber: minLength: 1 type: string description: Reference number provided by the API caller. Must be 255 characters long or less additionalProperties: false Cubi.ConsumerLending.WebApi.Dto.LoanApplicationCosignerResponseDto: type: object properties: id: type: string description: The id of the cosigner that was included on the application. This is unique to this application. If the same cosigner is included on many different applications, each of those cosigner entries will have a different id value format: uuid ssn: type: - string - 'null' description: The SSN of the cosigner fullName: type: - string - 'null' description: The full name of the cosigner dateOfBirth: type: string description: The date of birth of the cosigner format: date-time annualIncome: type: number description: The annual income of the cosigner format: double employerName: type: - string - 'null' description: The name of the cosigner's employer emailAddress: type: - string - 'null' description: The email of the cosigner schoolName: type: - string - 'null' description: The post secondary school that the cosigner attended schoolOpeCode: type: - string - 'null' description: The Office of Post Secondary Education (OPE) code for the post secondary school the cosigner attended schoolGraduationYear: type: - integer - 'null' description: The year that the cosigner graduated from their post secondary school format: int32 degreeType: type: - string - 'null' description: The type of degree that the cosigner received areaOfStudy: type: - string - 'null' description: The cosigner's area of study in post secondary school deceased: type: boolean description: Indicates if the cosigner id deceased housingStatus: $ref: '#/components/schemas/Cubi.ConsumerLending.WebApi.Dto.HousingStatus' streetAddress: type: - string - 'null' description: The street portion of the cosigner's primary residence address city: type: - string - 'null' description: The city portion of the cosigner's primary residence address state: type: - string - 'null' description: The state portion of the cosigner's primary residence address zipCode: type: - string - 'null' description: the Zip Code portion of the cosigner's primary residence address homePhoneNumber: type: - string - 'null' description: The home phone number of the cosigner workPhoneNumber: type: - string - 'null' description: The work phone number of the cosigner cellPhoneNumber: type: - string - 'null' description: The cell phone number of the cosigner ficoScore: type: integer description: The cosigner's FICO score format: int32 debtToIncomeRatio: type: number description: The cosigner's debt to income ratio format: double creditInquiryCount: type: integer description: Number of credit inquiries for this person. format: int32 nonTraditionalInquiryCount: type: integer description: Number of non-traditional credit inquiries for this person. format: int32 chargeOffCount: type: integer description: Number of charge off for this person. format: int32 tradeDelinquencyCount: type: integer description: Number of trade delinquencies for this person. format: int32 sixtyDayLatePaymentCount: type: integer description: Number of months since any sixty day late payments have been recorded. format: int32 mortgageDelinquencyCount: type: integer description: Number of mortgage delinquencies for this person. format: int32 thirtyDayLatePaymentCount: type: integer description: Number of payments later than 30 days for this person. format: int32 numberOfMonthsSinceAnyThirtyDayLatePayments: type: integer description: Number of months since any thirty day late payments have been recorded. format: int32 derogatoryRemarkCount: type: integer description: Number of derogatory remarks for this person. format: int32 hasFiledForBankruptcy: type: boolean description: Has this person had a bankruptcy. debt: type: - number - 'null' description: Cosigner's amount of Debt. format: double monthsSinceBankruptcyFiled: type: integer description: Number of months since this person last filed for bankruptcy. format: int32 monthsSinceBankruptcyDismissed: type: integer description: Number of months since this person last had a bankruptcy dismissed. format: int32 monthsSinceBankruptcyStatusDate: type: integer description: Number of months since the last bankruptcy status date. format: int32 additionalProperties: false x-readme: explorer-enabled: false proxy-enabled: true